| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 3.69% |
| MARSH & MCLENNAN AGENCY LLC3 | — | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Contract Administrator; Other services; Participant communication Service code 12 | — | $700K |
| MARY BETH CYLIAX EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $135K |
| DIANE ROSSO EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $107K |
| JOANNA CLAYTON EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $106K |
| LYNNE SCHREIBER EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $105K |
| AMWINS GROUP BENEFITS LLC EIN 05-0461576 NONE | Claims processing; Contract Administrator Service code 12 | — | $103K |
| JUDITH MITCHELL EIN 43-0681778 EMPLOYEE/ADMINISTRATOR | Employee (plan); Plan Administrator Service code 14 | — | $97K |
| CYNTHIA FOSTER EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $92K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Claims processing; Contract Administrator Service code 12 | — | $77K |
| MICHELLE HAGERMANN EIN 43-0681778 EMPLOYEE | Non-monetary compensation; Employee (plan) Service code 30 | — | $70K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $65K |
| PREFERRED RESOURCE NETWORK INC EIN 43-1613278 NONE | Other services Service code 49 | — | $64K |
| MARSH & MCLENNAN EIN 26-3237576 NONE | Consulting (general) Service code 16 | — | $57K |
| EVELYN DUNAJCIK EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $51K |
| ROCKWOOD CAPITAL ADVISORS EIN 43-1775815 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $50K |
| JOANNA HAM EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $50K |
| BYRNE SOFTWARE TECHNOLOGIES EIN 43-1853340 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $49K |
| SCHUCHAT, COOK & WERNER EIN 43-0763010 NONE | Legal Service code 29 | — | $46K |
| CATHERINE DOBRYNSKI EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| AMY JO WOOD EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| CHANGE HEALTH CARE EIN 20-5799664 NONE | Claims processing Service code 12 | — | $27K |
| BREANNA FITZHENRY EIN 43-0681778 EMPLOYEE | Employee (plan) Service code 30 | — | $26K |
| SYSTEMS DESIGN ASSOCIATES EIN 43-1228887 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $19K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $13K |
| ASMED HEALTH, LLC EIN 27-4189010 NONE | Other services Service code 49 | — | $13K |
| EKON BENEFITS EIN 43-1317863 NONE | Actuarial Service code 11 | — | $12K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Soft dollars commissions; Custodial (securities); Float revenue Service code 19 | — | $11K |
| CONNER ASH PC EIN 43-1012822 NONE | Accounting (including auditing) Service code 10 | — | $9K |
| WEB CONNECTIVITY LLC EIN 35-2070190 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8K |
| UNITED ACTUARIAL SERVICES INC EIN 35-2156428 NONE | Actuarial Service code 11 | — | $7K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 192 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | EMPHESYS INSURANCE COMPANY | 799 | $2.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,726 | $131K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,742 | $672K |
| Other | HARTFORD LIFE AND ACCIDENT | 3,726 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,726 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.